Business Insurance

Business Insurance

Comprehensive and specific policies for your business

Protection against threats you see… and those you don’t

At Clarkson Insurance Group, we succeed the same way you do – by taking care of your customers. For nearly five decades, we have been helping owners and executives to protect their profits, property, employees and reputation… and we have done it all by helping them to find the best coverage, at the best price, for their specific needs.

As you read about some of the types of coverage we offer below, remember that the best insurance doesn’t just protect your company from the threats you see, but also the ones that are hidden. Why not use our expertise to keep your commercial interests safe?

Commercial General Liability

Commercial Property

Commercial Auto

Workers Compensation and Employer Liability

Commercial Umbrella Policies

Commercial Crime

Commercial General Liability

Worried about what would happen if an accident injured one of your customers? Don’t know how to protect yourself against legal costs stemming from advertising, or concerned that accidental damage to someone’s property could put your company’s assets and future at risk?

Commercial general liability insurance is the answer. It’s your first line of defense, offering protection against the kind of unspecific, unforeseen challenges and expenses that can spell disaster to any business.

* all coverage is subject to certain policy exclusions, conditions and definitions

Commercial Property

For many companies, property – in both real estate owned by the business and in other assets – represent its most valuable component. That’s why commercial property insurance is such a vital part of any business’s coverage. Protecting you against physical loss or damage, these policies can be tailored to fit your company’s specific needs and requirements.

What if damage to your property makes it impossible for you to continue operations? We can structure your policy to ensure that your business income will continue, even after you have been compensated for the loss of the property’s value. Contact us today to find out how.

* all coverage is subject to certain policy exclusions, conditions and definitions

Commercial Auto

Your business needs a strong auto insurance policy for the same reasons you need one personally – because accidents can run from the relatively minor to a major event with the potential to cost millions of dollars. It’s crucial that your business assets be protected in the event that you or one of your employees is involved in an auto accident.

Our policies cover you for liability, damage, injury, and even against the problems of uninsured or underinsured motorists. Your company can’t afford to go without this protection.

* all coverage is subject to certain policy exclusions, conditions and definitions

Workers Compensation and Employer Liability

At Clarkson, we will work with you to ensure that your coverage meets your company’s needs, as well as state and National Council on Compensation Insurance guidelines. This includes medical treatment for injuries and indemnity payments for employees disabled and accidents sustained in the course of employment, as well as employee allegation of employer negligence.

As unemployment, layoffs, and lawsuits from the workforce remain a constant threat to any company, this is an area where our insurance specialists can help you find the peace of mind that comes with proper coverage.

* all coverage is subject to certain policy exclusions, conditions and definitions

Commercial Umbrella Policies

An umbrella policy is the ultimate safety net for your company, covering you against potential catastrophic losses above and beyond your other specific policies. Because they are designed to protect you from the things you can’t know to worry about, these policies are not standardized, meaning that a careful review is needed to find the right coverage limits, exclusions, defense costs, and other provisions.

* all coverage is subject to certain policy exclusions, conditions and definitions

Commercial Crime

Theft from within and outside the company cost businesses billions every year. In fact, major losses of this type can put an organization out of business. Our commercial crime policies cover you against these common and damaging activities, including: employee theft, forgery or alteration, robbery and burglary, the theft of money securities, computer fraud, extortion, and even thefts and losses away from your premises.

* all coverage is subject to certain policy exclusions, conditions and definitions

Cyber Liability

Professional Liability / Errors & Omissions Coverage

Management Liability

Inland Marine

Restaurant Program (Franchise and Independently Owned)

Bonds

Cyber Liability

Because the Internet has changed the way most companies operate at a rapid pace, many businesses have been left with policies that do not adequately cover their exposure to online threats and losses… and in some cases, may not cover them at all. At Clarkson, we offer a number of policies that protect you from virus transmission, issues concerning privacy, copyright infringement, security threats, and other areas of potential concern.

Our insurance specialists can help you determine which parts of your business may be at risk, how to reduce your exposure, and the right policies to ensure that your company is safe from threats online. While new risks and opportunities are emerging every day, Clarkson helps to keep you protected in an ever-evolving Internet business environment.

* all coverage is subject to certain policy exclusions, conditions and definitions

Professional Liability / Errors & Omissions Coverage

In today’s litigious society, those who provide professional services need to have protection against claims due to errors or omissions in the performance of their work – regardless of whether they are a actual or alleged. Don’t risk all that you’ve invested into your training, capacity, and background as a professional – talk to our insurance specialists about coverage against these types of claims and errors.

* all coverage is subject to certain policy exclusions, conditions and definitions

Management Liability

At Clarkson, we offer a number of different coverages and policies to protect businesses from management related exposures. These include, but are not limited to, directors and officers liability, employment related practices liability, fiduciary liability, and kidnap/ransom and extortion coverage.

Your company’s management and supervisors represent an enormous asset, as well as an area of risk. We can help you find the protection you need with the right policies from multiple companies.

* all coverage is subject to certain policy exclusions, conditions and definitions

Inland Marine

Because damage to and from mobile property is typically not included in standard package policies, any company with moveable assets needs to have the appropriate coverage in place. Typical coverage would include, but not necessarily be limited to: mobile property floaters, cargo, warehouse liability, and builder’s risk.

* all coverage is subject to certain policy exclusions, conditions and definitions

Restaurant Program (Franchise and Independently Owned)

Whether you own and operate a single restaurant location, or a chain with multiple locations in several states, The Clarkson Agency can assist you with finding the right coverages for the right price. We have worked with restaurants just like yours for decades, so you can be sure we understand your insurance needs. The lack of a sound insurance program and strategy can put any business, and especially a restaurant, at great risk. Contact us today to find out about our specialized restaurant coverage.

* all coverage is subject to certain policy exclusions, conditions and definitions

Bonds

There are hundreds of reasons why a business or individual might need a bond. At Clarkson, we will help you to understand what kind of bond you need and the best way to obtain that bond. Because of our decades of experience, we have the expertise to walk you through the process, from start to finish, helping you through the necessary steps.